Insurance by special agreement

Ideal protection

As an employee, you are compulsorily insured against non-occupational accidents under the LAI if you work at least 8 hours a week for the same employer. With the insurance by special agreement, you can extend this insurance coverage for a maximum of 6 additional months if you take a longer break, for example for unpaid leave.

Optimally protected

Benefit from more extensive benefits for 6 additional months than if you include accident coverage in the basic insurance with your health insurance company. This includes, among other things, a daily allowance in the event of inability to work due to an accident, a disability and survivor's pension as well as the assumption of medical treatment without any cost sharing.

Excellent support

In the event of an accident, we are there for you - with comprehensive, multi-award-winning Care Management.

Simply conclude online

You can easily conclude the insurance by special agreement online in just a few steps. The prerequisite for this is that you have mandatory accident insurance with Zurich through your previous employer.

More details

Here you can find further information about the insurance by special agreement.
FAQ Downloads


Woman explores city

The right insurance on sabbatical

Feel like taking some time out? With adequate insurance, you can enjoy your sabbatical with no worries at all.
A doctor sits at the table and looks at an X-ray image

LAI explained – simply and concisely

How does mandatory accident insurance actually work – and who is covered? Our compact guide has answers to all the important questions on the subject.

Well covered in the event of an accident

An employee who has an accident and is unable to work is still entitled to an income. In principle, the law provides for the obligation to continue to pay salaries and benefits under the mandatory accident insurance (LAI). What does that mean specifically?

Related products

A father and son laughing together.

Optimum protection

Accident insurance, as an add-on to your mandatory insurance, gives you optimum protection at home and in your leisure time.

Relax Assistance

Travel Insurance

Whatever happens before and during your trip or when you’re home again, keep safe with Relax Assistance Travel Insurance.

Handover of keys for rental car or carsharing

Insurance for rental cars and carsharing

Avec les véhicules de location ou de car sharing, les accidents peuvent vite devenir coûteux, notamment en raison de la franchise élevée. L’assurance «Véhicules de location et de car sharing» vous permet de rouler l’esprit tranquille.